I went through our credit card bills yesterday. LLBean Visa 27% APR.
> Delta Skymiles AmEx 25%. I paid them both off in full and won't be
> using them again. AmEx charges $15 for an over-the-phone eCheck but
> the INTEREST on the damn card was several dollars per day. By the
> time the physical check would arrive and clear, I would have that much > in interest.
You will probably find that they still have an amount due the next month, to mop up finance charges. As I understand it, some cards charge interest on the average balance for the month rather than the actual balance, which means they can keep charging interest on a loan you've paid off!
I'm about to dump all my Cisco switches (2900 Catalyst series, 5000
> series) and the RAID stuff onto eBay. Simply shutting them down and
> replacing them with a 100 watt ReadyNAS 600 will save me hundreds of
> dollars per month even if I just threw them out.
I remember when Yale University gave away an IBM 370 for just that reason. The whole new computer cost less than the saving on electricity from turning the old one off.